Tuesday, March 24, 2009

What Do You Need to Know About Credit Card Insurance

By Chaoran Hu

Due to the event of unemployment, injury, disability or death, your credit card issuers may provide you with credit card insurance. It seems ridiculous. However, there are still some debates over this idea. Next, I would analyze the pros and cons to weigh whether it is worth it.

The concept of the credit card insurance remains the same as the other insurance: you pay a minimum monthly payment fee, normally based on the balance of your account. Supporters claim that it is a great idea that provides protection over our credit card once they get into hardship. Some argue that the insurance can only make the minimum payment of each month, and have a limited time frame, which is not worth it. However, when you suffer a critical illness or death, the insurance will cover the entire balance to reduce the pressure of your family.

Purchasing credit card insurance is a personal decision and really depends on your unique situation. Usually, however, the expense of credit card insurace outweighs the potential benefits, because most insurers pay only the minimum payment when a claim is made. A better alternative of credit card insurance is to set a side some amount of money for some emergency use, such illness and death. As always, being informed of options will assist your decision making. So take some time to sort these files and get organized.

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